Digit Bike Insurance Claim
Digit General Insurance has earned the trust of several people by insuring them through its effective bike insurance policies. It has efficiently settled the claims of its policyholders over the years.
Digit General Insurance has developed a user-friendly website supported by an active online chat and helpline numbers to assist its policyholders at the time of claim settlement. The policyholders can undergo a seamless claim settlement procedure through the steps mentioned below.
List of Documents Required During Claim Settlement
The following documents are required at the time of settling a bike insurance claim:
- Duly filled and signed claim form
- Self-attested copy of Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims.
How To Make a Cashless Bike Insurance Claim with Digit Bike Insurance
Digit General Insurance has formulated the bike insurance claim procedure in the following simple steps to facilitate its policyholders with a hassle-free experience.
Step 1: Contact Digit General Insurance
To initiate the claim settlement procedure, the policyholder should immediately inform the insurer after the incident, be it theft, accident or any damage to the bike. You can get in touch with Digit General Insurance by dialling 1800 258 5956 or 1800 103 4448. The call should be made within 24 hours of the unfortunate event of an accident. You may intimate the user by emailing at firstname.lastname@example.org. It is advisable to click pictures of the place where the unfortunate event had occurred and collect the number of witnesses as it may serve as proof when you register for the claim.
Step 2: Register a Claim
A company executive reverts back to you. You have to provide the policy number and the details of the incident. The executive gives you a claim registration number which should be saved for further use.
Step 3: Survey of Damages
A company surveyor is sent to assess the extent of the damages caused to the bike during the accident. In the case of third party property damage, provide its vehicle registration number. You can even provide contact details of witnesses if any as proof. The surveyor estimates the cost of repair and collects the duly filled claim form, policy documents and proves of the incident. The insured’s bike is moved to the nearest network garage.
Step 4: Claim Settlement
After assessing all the aspects, the surveyor gives approval. The insurer confirms its financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.
How To Make a Reimbursement Claim with Digit General Insurance?
Digit provides its policyholders with the privilege to reimburse the expense of repair of the insured’s bike if it is repaired in a garage other than a network garage. The policyholder can undergo the reimbursement by following the simple steps mentioned below.
Step 1: Contact the insurer
The insurer should be informed immediately after the theft, accident or any damage to the bike. You can intimate a reimbursement claim by calling their toll-free number 1800 258 5956 or 1800 103 4448 or by sending a mail at email@example.com. You may also visit the nearest branch to inform the insurer. It is advisable not to move the insured’s bike before the survey.
Step 2: Register a claim
The executive of the insurance company calls back to you after the claim intimation. You have to inform the executive about the policy number and details about the accident. The executive informs you about the procedure and provides you with a claim registration number.
Step 3: Survey of the Damages Incurred
After registering the claim, a surveyor is sent by the insurance company to the location of the mishap to inspect the extent of the damages incurred by the bike due to the accident. After the assessment of damage, you can move your bike to your desired garage for repairs.
Step 4: Repair and Reimbursement
After the completion of the repair, you have to send the original bills and receipts of repair to the insurer along with policy documents and other required documents to make the request for the reimbursement claim. The company verifies the details and finally disburses the claim amount after taking into consideration all the deductibles and depreciation.
Common Claim Rejection Reasons
Digit General Insurance has set some standards that every policyholder needs to follow to settle a claim. The insurer rejects the claim under the following circumstances:
- Registration of a fraud Claim
- Misinterpretation of facts
- Driving without a licence or under the influence of alcohol or intoxicating drugs
- Delay in intimation about the mishap to the insurer
- Lack of details required to process the claim
- Act of negligence.
Digit Bike Insurance User Reviews
Digit Bike Insurance Claim FAQs
From where do I get the claim form of Digit bike insurance policy?
You can download the claim form of Digit bike insurance policy from its official website or reach out to the nearest branch and collect the hard copy of the claim form.
How do I claim insurance if the bike is stolen?
In case of theft of the insured’s bike, you need to lodge an F.I.R at the nearest police station. You have to submit the photocopy of the FIR and other documents, the bike keys and a non-traceable certificate to the insurance company in order to register a claim.
Can I make a claim in case of any consequential damage under the Digit bike insurance policy?
No, you can not make a claim for any consequential damage under the Digit bike insurance policy.
How do I find the nearest network garage?
You can find the nearest network garage from the official website of Digit General Insurance under the section of services.
- Click on “Find Garages”.
- Select the city and manufacturer of the insured’s bike
The site provides you with the list of garages along with their address.
Is the bike insurance claim process time-bound?Yes, the claim process is time-bound. It is advisable to inform the insurer within 24 hours of the incident.